| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD RITTENBERG3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $62K | — | $62K | 3.47% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 11.98% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | HUMANADENTAL INSURANCE COMPANY | $2K | — | $2K | 10.71% |
| KARLA J HUTTON3 | 2272 HENPECK LANE FRANKLIN, TN 37064 | AFLAC | $352 | — | $352 | 2.28% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $339 | — | $339 | 2.19% |
| BRENDA S SPEER3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $294 | — | $294 | 1.90% |
| THOMAS WALLACE JR3 Filed as: E THOMAS GRAY | 108B PEMBROKE AVENUE NASHVILLE, TN 37205 | AFLAC | $141 | — | $141 | 0.91% |
| ELAINE HICKMAN3 Filed as: ELAINE C HICKMAN | PO BOX 327 PULASKI, TN 38478 | AFLAC | $122 | — | $122 | 0.79% |
| DAVID M CRUMLEY3 Filed as: DAVID E WATSON | PO BOX 3094 BRENTWOOD, TN 37024 | AFLAC | $116 | — | $116 | 0.75% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $95 | — | $95 | 0.61% |
| THOMAS J PITZENBERGER3 | 1200 NORTHWEST SOUTH OUTER ROAD SUITE 116 BLUE SPRINGS, MO 64015 | AFLAC | $63 | — | $63 | 0.41% |
| AGNES M INGRAM3 | PO BOX 720438 HOUSTON, TX 77272 | AFLAC | $37 | — | $37 | 0.24% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $33 | — | $33 | 0.21% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $27 | — | $27 | 0.17% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AFLAC | $27 | — | $27 | 0.17% |
| CHRISTOPHER P ODOM3 | 829 MAHR AVENUE APARTMENT A1 LAWRENCEBURG, TN 38464 | AFLAC | $21 | — | $21 | 0.14% |
| LEO A GILLIES3 | 4008 VISTA ROAD SUITE C101 #C101-B PASADENA, TX 77504 | AFLAC | $12 | — | $12 | 0.08% |
| DAVID M WALKER3 | HC 1 BOX 5175 KEAAU, HI 96749 | AFLAC | $11 | — | $11 | 0.07% |
| DENTON J GILES3 | 9235 LAKEWAY VIEW LANE HUMBLE, TX 77396 | AFLAC | $11 | — | $11 | 0.07% |
| OSCAR LYNN BOYD3 | 220 THUNDERBIRD DRIVE HARVEST, AL 35749 | AFLAC | $10 | — | $10 | 0.06% |
| JEFFREY C WEST3 | 17403 WIDMORE PLACE SPRING, TX 77379 | AFLAC | $6 | — | $6 | 0.04% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.01% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 301 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 301 | $1.8M |
| Vision | HUMANADENTAL INSURANCE COMPANY | 169 | $16K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 310 | $77K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 150 | $62K |
| Other(6 contracts, 4 carriers) | UNION SECURITY INSURANCE COMPANY | 330 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.